Roger and Joan (both age 55) are married and file a joint return; each has a traditional IRA. Roger works full-time and has modified AGI of $170,000. His employer does not offer a qualified retirement plan. Joan is not employed. If they wish to contribute the maximum to their respective IRAs, how much of their contribution is deductible? $6,500 (Roger only) $13,000 (Roger only) $6,500 (Joan only) $11,000 ($5,500 each) $13,000 ($6,500 each)